She Blew Up Her Marriage | Financial Audit

That screams divorce inbound. The kid's not going to grow up in a very. happy household. I don't want to be married right now. Me? Yeah, I can't. Like. You don't want to be married to him. No. I Gosh. Does he know this? I've told. him. He does scare me sometimes though. Like he can be a little reckless. I. think he can change. Bring him up. Hey. Hi, I'm Lisa. I'm 23. I'm from Dallas, Texas and this is financial audit.

Welcome down from Dallas. What do you do. up there for a living? Um so within my. job we call it um. licensing um but like on job postings. and like in the computer it's chemical. product specialist. Chemical product specialist, okay. How. long have you been in that? Since August. 2023. Okay, cool. What are we making? Uh $23 an hour. So like I think like 48,000 a year. 40.

Okay. Now. if I'm not mistaken you're married, correct? Yes. So is this a dual income household? No. You're you're the breadwinner. Yeah. Okay. How do we feel living off of that? So is. it a you Okay, so you and your husband. do you guys have any kids? Yeah, we have an 8-month-old daughter. She's She's little. So what does the. husband do? He Well, he watches her. So Okay, stay-at-home dad. um at least takes away like the child.

care costs cuz those are insane. Sure. Did he work? He did. Uh What was he. doing? He was doing quality control at. an oil. place. Okay, because I see $2,500 hitting your. account on a monthly basis at least this. most recent month. How do we feel living. off of that for a family of three right. now? It's really hard. Um. I mostly just don't look at anything. money related, which I know is like so.

bad. I know, but I have so I like I'll start. looking at it. and then I will just. freak out cuz I see like all the money. leaving my account and like I'll just. I'll just. like kind of ignore it just like uh like. an ostrich bury my head in the sand. Yeah, but that just makes more money. come out later. Cuz Why not start solving the solution. so that you don't have to freak out when.

money leaves the account? Because I feel. like no matter what I'll be stuck. Like. no matter what. Why do you feel that way? Because that's. not true. I was in bad debt as well. I. am no longer in bad debt. And it wasn't. the YouTube income that took me there. It. you know, it was multiple jobs ago that. I started working to get out of debt. Yeah. And I mean, that's why I what I. kind of realized when I actually started. watching the show, I was like, oh, I. guess I can do better and.

so I've started like moderately, I. guess, tiptoeing in it. Like. look like? What's a moderate tiptoe? I calculated my debt. Like I looked at. all of it. I opened the medical bills. that kept coming in. I looked at them. Kept coming in. What happened? Uh so. I gave birth. Um I went to the hospital. a few times uh while I was pregnant cuz. I had hyperemesis. Okay. Um and then my. daughter was in the NICU.

and then she had another hospital stay. when she was about 2 months old. Um and my husband has a little bit of a. medical bill as well um from like an. infection in his toe. So. Gross. No, I mean, that that sucks for. him. Well, okay. So, what are we looking at? Because this. in terms of stacks of debt, I feel like. a lot of the people I've been reviewing. recently, it's a lot of spending issues, but the stacks of debt haven't been as.

momentous as we've seen in the past, but. all of a sudden I feel like I'm coming. back to closer to the beginning of 2024. when there was this a tremendous stack. in front of me, and there is a. tremendous stack in front of me. I'm. happy you finally looked at it. That's a good step number one, but what. is happening? Because you got You're 23. I don't know how you accumulated so much. individual debt. What is going on here, dude? Oh, I mean, there's some student loans.

So, in total that's about 40K. I think. there's like 19,000. federal. and the rest is Sallie Mae. Um Miss Sallie. Good old Sallie. Everyone hates her cuz she's a. Yeah, I I should have went with. Discover, I guess. They offered, but I. was like, "Oh, I've heard of Sallie. Mae.". But I I took out a lot more loans than I. was expecting to for college um because. I was plan I went to Texas Wesleyan and.

I was planning on commuting from my. house to school, but that ended up not. being an option um for like. mental health reasons. doesn't matter, but I'm curious. Sorry. It's fine. I'm interrupting. Um it's. interesting because I was raised in a. Wesleyan household and like a lot of. people I knew they ended up going to. Indiana Wesleyan. Is that Is that Islamic? No. Oh, what is.

that? I'm sorry. Oh, this? Oh, yes. Sorry. Yeah, that is. How was that going to a Wesleyan, which. is a very Christian institution? What. was that like? Uh Sorry, I'm just very. curious. Okay. Um I didn't have any problems with. People aren't just like very, very, very, very, very Christian there, and. they're like, wait a minute, something's. not Christian here. I mean, no, I mean, it is Fort Worth, but no one. cared all that much, to be honest. I. mean, uh, there were a few.

questions, um, but that was really just. from a few classmates. Um, it was an. overall positive experience. Interesting, okay. Yeah, it was just. curious, cuz I grew up with so many. people who ended up going to that uh, type of school, so, okay. Sorry. I did get like, um, of Bible verses under my dorm room door. a few times, but honestly, they were. supportive, so I just. they put that under everyone's door, right? Oh, that's I never thought about that, but Well, it's a religious like. institution. No, it was a handwritten.

note. Uh, oh, like, yo. No, it Read the Bible. Oh, it was. excerpts from the Bible, but it was like. handwritten on like a It was an index. card or sticky note, so. I assume it was from like someone. close. Sorry, you can continue your story. That. was a Just a detour that just popped. into my head, cuz it kind of related to. my, uh, growing up, so, go ahead. Yeah. Um, oh, wait, what was I talking about? The student loan debt. Yeah. Okay. So,

mountains and mountains and mountains. and mountains of credit card debt and. other debt and terribleness and. horridness and just really bad. So, yeah, the the 40K from school, because I. was planning to commute, but then I. didn't, and then, so there was dorm. stuff, um, a very expensive laptop, to. be honest, um, and also summer classes, um, so I ended up taking out a lot more than. I was planning to for that, and my.

credit card debt would like, like it. went up in college to like, I think, 1,200, but then I paid it off, um, and so I kind of like got a little. bit relaxed with credit card debt. because I was like, oh it got high once. and I paid it off and then I got more. credit cards. happens. That's See that's. Yeah. Okay, sorry. I I got more credit. cards and they upped my limits. they did. So So friendly of them. Yeah, that's what I was thinking, right? Um I.

knew I had to pay it off, but I was like. I did it before. I can do it again. It's. not a big deal. did it again? Yeah. Oh, you did do it again? Well, not. is your third time going into this hike. of credit card. No, no, no. This is the second time. It's only the. second time. So you didn't pay it off. again? No. Okay. I was keeping them pretty steady. I don't know I don't remember what. You mean near the credit limit? No, it. was. one is.

Well, that was after my maternity leave. When did he stop working? Uh so July of. 2023. Oh, so before the kid was born? Yeah. I thought Why? He got He got. fired. Oh, okay. I may have missed that. Yeah, it's fine. Why didn't he get another job? Uh. That's complicated. Is he Why is he not contributing to the. household? Cuz again, it's fine if like. it's a single. working household, but 2500 is pretty. hard to live off of in Dallas and that.

you have an insane amount of debt which. is going to prevent you from living the. life that I'm sure you want your family. to live. Uh. he just couldn't find No. another job. Mhm. That's what he said. Well, mhm. Like I can't force him to do. anything. Force? You guys don't have. conversations? No, we do, but he doesn't listen. Why? That doesn't sound healthy. It's him. That doesn't sound healthy. No, I know, but I can't afford daycare. So. No, of course it's not it's not about.

that, but if he was working, I mean. the the goal is obviously throughout. whatever daycare we're doing is to still. get in that benefit in the end, which. How much was he making He was making $21. an hour, which depending Dallas is a. large area. There's lots of different. places to look for work and for child. care. Um yeah, I agree.

Uh. It's just I. kind of just trusted him to kind of do. his own thing and he said he couldn't. find a job and. um. that's kind of been it. He said he. couldn't find a job. So. he became the stay-at-home husband. and I don't I I have a lot of issues. right now like marriage-wise. You do? Yeah, but huh? Go on. Um but like.

What? What issues? Communication is a big one. Um also it's. like if you're a stay-at-home parent, then. you it's kind of expected that you also. take care of the household and I don't. expect perfection far from it, but. he just doesn't. What is the. Okay. is filthy like 99% of the time. Well,

he's the man up it sounds like. Yeah, I agree. Um And you tell him? Yeah, but it's kind of hopeless at this. point, sadly. Whoa, do you understand. how powerful of a. a statement that is? I I like I don't. know if you know that. That literally I. Trust me, I I am not trying to. uh. push for anything negative or anything. But I think if anyone heard that's. hopeless, that screams divorce inbound.

Um. I don't want to be married right now. I. can't afford daycare. Me. Yeah, I can't. Like. want to be married to him. No. Like I love him. I really do, like. seriously, but like. gosh. I can't afford daycare, so. Does he know this? I've told him, and he. just says. him I don't want to be married to him. "If you want me to leave, I'll leave.". And then it's just like, "Well, I don't.

want you to leave cuz I can't afford. daycare, dude." Whoa. It's It's that's literally the fact of. paying for daycare is literally the only. How's this. Okay. Gosh, and I am not known for being the. person who enjoys children super Yeah. a lot, but. Call them stinky. The Yeah. They live up to it, but.

I. have to say. that kid's not going to grow up in a. very happy household if literally the. parents. don't want to be around each other, and. they only exist around each other, not. not for the sake of the kid, but. literally just to not pay for child. care. Why are you guys married? Well, things were good. Um it was like after. he lost his job. Uh there were just a. lot of changes. Uh he got depressed, and. That happens when people get fired, though. That is a very natural thing.

Yeah, it is. And I. I would kind of push him to do things to. help himself get better, and he kind of. just had the attitude of nothing's ever. going to work. And I would tell him about things that. he would need to start doing, like um. pertaining to, you know, just cleaning. up, also just keeping things off of the. floor cuz I was like, "Once there's a. baby, there's going to be somebody who. is on our floors, who We can't have like. small little choking hazards all over. the floor." He was like, I'm going to. change when the baby gets here.

He doesn't. He didn't. Uh I went I I had really bad postpartum. depression, so I went to therapy and I. was trying like really hard Yeah. marriage-wise, and my therapist was like. uh a big contributor to your depression. is that your husband's not helping. And. I thought that she was like completely. ridiculous. And then I got like another. therapist who just didn't. who I am still seeing, and she doesn't. really push um.

anything like relationship-wise. Um but it's just like after the last. therapist, I've just realized um a lot. of things, and it just sucks because. feel pretty stuck, and um. How How would the family feel Okay, so. gosh. It's okay. There is a chance this. might come off as insensitive, but it's. I want the bracelet as it's likely. coming from just pure ignorance, and I'm.

just very curious. Okay. Curious, cuz again, I was not. raised in the religion that you are. participating in. Yeah. I'm assuming you are quite traditional. if you're wearing the traditional. outfit. Yeah. How does the family feel in that. situation then about divorce? Cuz that. seems like a no option in the. traditional versions of these. relationships typically or religions. typically. So, in Islam, divorce is allowed, unlike. in like I guess Orthodox Christianity.

Um but it's not like recommended, and I. really didn't want to get divorced. Like, I didn't get married to get. divorced. But you're saying now you do. Yeah, because I because of the way that the. relationship has been. Just. say so nonchalantly. Just Because I've. accepted it over and over again. Like, mentally, I've had to I've gotten my. hopes up over and over again, and then. 23. it's gone down, and um. does your How does your How do your.

parents feel? Okay, my my family would be okay with. it. My mom was divorced. Also, my family. is not Muslim. I converted. Um they're. Christian. For Is it for him? It wasn't. for him, but he did introduce me to. Islam. Oh, okay. Yeah. Yeah, like I learned about it. through him. Um. Oh, okay. So, you weren't raised Muslim. No. No. Um he was, obviously, and I've. actually like tried to call his um tried. to contact his. parents and his sisters just to be like, "Can y'all talk to him?".

Um his dad won't talk to me at all, and. his sisters are kind of just like, "Oh, he needs to go back home.". Um but that's just not really an option. still because of daycare. Um and uh. I mean, his parents wouldn't be happy. about a divorce, and I told his dad. like, "That's the direction that we're. heading." But I still didn't get any. sort of response. I How do you. parents would hate divorce. Like they're. traditional Indians. It'd be terrible. for them. I don't understand. never met someone so comfortable saying, "I don't like my husband, and I would.

like to leave him, and the only reason. not is cuz of child care." I've never. thought I would hear something like that. in my life. That is absolutely That is absolutely. I'm supposed to say, you know? him? Yeah. I love him. I don't love. the way that he acts, and it's not good. for my mental health. Um honestly, like the way that I've. thought about it. is just I don't want to be separated. I. want things to be the way that they. were, but like.

from him, or separated in general? From. him. Okay. So, they're still okay. Because I'm try I tried really hard Will. he go to couples therapy? No. We were in. couples therapy, and the therapist like. started saying like, "Well, you're. making excuses." and. he has to set up the appointment because. I'm already going to therapy on my. insurance. Sounds like he's giving up. Yeah. Which there's there's no winning from. that. I'm sorry. It's okay. know I know we haven't really talked.

about finances as much. I did not expect. this. No one. Not on our notes or anything. Um but obviously this very much pertains. to your situation cuz of marriage and. child care and relationships that is all. about the money and that's going to be. even more telling going into this. Um. feel free to take a moment if you want. There are tissues over there. Over. there? If you need right there. Yeah, sorry. They're a little hidden. Um. Wow. Um okay. Sure. Sure.

So. where would you assess your situation. today financially? Zero being the absolute worst, 10 being. the absolute best, where do you think. you would assess yourself right now? Zero. Okay. Yeah, it's just I I I have a bunch of. debt. I don't really have any retirement. savings. I don't have any equity. So, zero. Right. Okay. Want to get your Hammer Financial.

Score? It's free in the description below and. you can apply to be where she's sitting. right now if you want as well at. killhammer.com/apply. So, yeah, let's start going into this. debt. All right. Freedom Card. Freedom. maybe. What's that in that? $2,917.17. which is. just a couple hundred dollar a few. hundred dollars away from the credit. limit. So, Is it? Yeah. Oh.

I thought it had. you think? Like 800 more dollars. No. No. Under five. Oh. I don't know why I thought that. Well, you went and purchased $76. So, what are. you doing? If you found the channel, you. self-confessed to that, and I know you. bought the budget new program, so you're. not following that, which by the way, we'll refund you for cuz you get it for. free for being on the show. And I. recommend that anyone buys it. I mean, it's. it's great, but. Okay, but yeah. You're obviously not.

doing that, following anything that we. thought, because you're going and. purchasing on a card that you can't pay. off and it's accruing $60 in interest on. a monthly basis. It's a $98 minimum. payment, which on your income starts. really eating at it away, and then you. don't want to be with the person that. you're married to, so you leave him and. all of a sudden child care pops up. I. don't know how you're going to afford a. $98 minimum payment. So, we still. purchase on here. That doesn't make any. sense. Why are you purchasing? Because I. tell myself uh I need the rewards and. then I'm going to pay it all off at the.

end of the month. the credit card points? Yeah. No, you're not a credit card person. You're not even close to a credit card. person. This is not how a credit card. person manages things. Yeah. If you want to be If you want to take. advantage of a credit card, dude, just. use a Fizz card. That's what we. recommend to anyone on the show, cuz you. just have to put the money in there up. front, and it's just. that. You If you're trying to take. advantage of points and you're trying to. take advantage of credit score, you need. to use those kind of cards. You need to. use those kind of. a credit card person? Yes, anyone can. I was not a credit card. person. I am a credit card person. I was. not a decade ago, but I am today. But.

you're not right now, so this I need you. to move away from this now, because you. clearly have no discipline as of like. literally right now. So, you can't. become a credit card person in like 5. days. It's It's budget. It's discipline. In 5 days? Yeah, like. talking about? Look what you're doing on. here. You're taking the You're You're. putting the Listen, it's not the These. are just Huh? I said I'm sorry for. laughing. It's like a nervous I was. Yeah. I've accepted that at this point. It. It's annoyed me more and more based you. know, when people are on here, but I've.

accepted that people just cope laugh. through the situation, cuz it's a bad. situation, but that's okay. It's mostly. It's mostly It's transportation and. urgent care. Yeah. Which it's not like. I'm saying don't do that if there's. urgent care to go to. I'm not saying. that. But you're putting it on a credit card. that you can't afford to pay off. And I. know you had money in your checking. account. So what are we doing? I do. I never look at. right now. look at my account. Then you look. You then you look. Okay, so my fear is. I'm going to have to pay rent or like.

something is going to auto pay on my. checking account and then I'll be out of. money. So you'll build up your debt that's. accruing at a 30% interest rate instead? That's dumb, but at the time I'll be. like I'll just put it on here and then. like I'll get home in a couple like in a. couple of days I'm going to put it on my. credit card. and budget it. And then what happens in a couple days? I get too stressed out about putting my. money on the credit card. card person and you won't be in 5 days.

If you get too stressed out just even. existing in that in that world, then. just don't. You don't need to be a. credit card person. Who gives a. credit card. I mean not credit cards, like the credit bureau. I see what you're saying. So you know, potential mortgage, something like that. I get that. But again, you can take. advantage of a different like the one I. recommended that still contributes to. your credit score. And there are other. debts, but when you have access to a. credit line, you can't manage it. You. don't know how to manage it. It's scary.

Yes, so don't let yourself have access. to it. It is scary. You're right. You need to close it. You need to end. it. You need to ruin its existence. Okay. Okay, but. I That's like the Freedom isn't my. oldest card, but I have a Discover that. you'll see and that is my oldest card. And my credit score is actually decent. Oh, I'm sure I'm sure the that companies. love you. So I shouldn't turn it off cuz. my my credit history.

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anytime. Don't put this off. Your. family's future is worth it. Apply right. now at meetfabric.com/caleb. That's m e e t fabric.com/caleb. Thanks again to Fabric for sponsoring. this episode. Listen, and I want that, too, but again, again, the argument I'm. making this is I love credit. I want. people to take advantage of credit. The. argument I'm making this is when you. have access to a credit limit, you are. proving that you cannot manage it, and. it is more detrimental to your finances. right now. Sure, if you kept all the.

credit lines open and even with those. higher balances that you have now, you. might have an easier chance qualifying. for a mortgage. Absolutely. But, you are going to be put in a. situation where your billing upper. balances constantly have such high. minimum monthly payments stacking across. all the board that you're not going to. be able to pay afford to pay for a. monthly mortgage anyway, because your. finances are so. So, that's my argument with that. It's. not saying I don't want you to have a. credit score. It's you have proven, right here, dude. You're at you're. basically at the credit balance. You're.

purchasing on a card that you can't. afford off. afford to pay off. It makes no sense if. it's sitting at 30% interest. So, get rid of it. It's destroying you. It's 30%? Yes, it's 28.9. or something. Oh. I thought it was 25. Well, it's not. That's what happens when. we don't look at things as we think and. we don't know. Cuz it's scary. 27% interest rate. I'm. sorry, that's wrong. It's 28.9. 28.9, so.

I was correct in that. I was told I was. wrong and but I was correct. It's okay, we'll beat him up in the post. show or something. Yeah. Well, we'll take the bats we use to protect. the office and we'll just. Me and you together. It is scary. And if it is scary, then. why put more money on it at the very. least? At the very least, that doesn't make any. sense. I'm also scared of not having a. credit card because my family is often.

asking for. money like in the family group chats, and I'm scared. if I don't have a credit card, then I'm. going to become that person. Let me offend them. Your family. I don't give a sh. You have a kid. You have a husband that. refuses to get off the couch. You don't. You barely make enough money for that. area. You can't even pay your minimum. monthly bills. I don't care if they're asking you for. money. You're not going to become them if we. just manage this. I am sure you love them. I love your.

family, sure, why not? But, also. their financial failures, that doesn't. define you. It really doesn't. Yeah. And. I know they can probably hear me in the. lobby, so. I think it's just my my mom's husband. If he hasn't gone outside. Okay. Amazon Chase card. You. almost. paid it off, but then you put so much. money on it. And then. fees, fees, $9.43 of fees. There were.

fees for what? Fees. For what? I will find out. We will find. out. I think You purchased $1,000. That's half your paycheck. What are you doing? When was that? What are you talking about? It's right. there. I'm so sorry. recent month. Scary, that's scary. That you don't even know that you spent. a half your paycheck. What are you. talking about?

That's scary. Oh, come on. I genuinely did not realize I spent that. much money. So, I assume you haven't started taking. the budgeting course. I watched a few classes. And? I got to the savings part. So, you're not enacting any of the. education. Okay. I was going to. I am going to, okay? I'm going to do. better. Um I'm honestly really shocked by that.

Um I. Cuz it's. And you have $34 of interest and. basically $10 of fees. you know? I just. bit at a time is over the course of a. month. Yeah. I just don't realize it. I just. It's like, oh, I'm going to go get. something to eat. Oh, this is a nice. little thing and No. I think that card. is actually connected to. our Walmart account, so I think we I've. been putting groceries on it. $1,171.35.

is owed now with a minimum monthly. payment of $133.78. What are we doing? Amazon. Uber. Uber. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Going to Target and some bull. Going to. Target and some bull. Amazon. There's a class. I don't like. that you did it on a credit card. Memorial Day sale. Yes, I I think. everyone should take that Everyone. should try to improve their financial. situation. I wish I had access to. something like that when I did. Credit card. Plus you like we're giving it to you for.

Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Uber. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Dart. Oh, that's the public. transportation. Yeah. Potbelly. Uber. Am. You don't Do you drive? No. Oh. Why? I can't. Okay. I don't know. how. Oh. Like I've been I've been kind of. taught, but there's still some things I. need to learn and um yeah, I just. Yeah. Who can teach you?

I've been told by like plenty of family. members like that they'll teach me and. then it's like you call and say, "Hey, can we do it this weekend?" No, I'm. doing something. "Can we do it this. weekend?" No, I'm doing something. just sleeps on the couch constantly. He. can't drive either. Oh, what the We. can't drive. get the kid places? My mom. And you live. with them? No. Uh How close do you live? I think we're. like 20-30 minutes away. She lives in. I live in North Dallas. Okay.

That's crazy. Yeah, I don't like it. I. don't like it. from Mattress Firm. A plan fee from. Mattress Firm. That was the fee. Yeah, um when I was pregnant, we were. sleeping on an air mattress and then. that got moldy. How long were you guys even together? We've been together since like 2020. is when we met, and then we got married. in June 2022. Oh, okay. And so. planned? It was. We were I thought money.

was decent. And like I know I had a ton. of student loans, but in my head at that. time, I was like everyone has student. loans, who cares? Oh. And uh yeah, money was decent. We were. both working, things were looking good, and so And now we're here. Yeah. Amazon, Amazon, as well. Yeah, but I needed a mattress cuz my. back hurt. 28% Yeah, I would want to get. a mattress as well. Um doesn't mean you. need an expensive one. I don't know how. much was the mattress. 1,000. Okay. Well, that was the whole bed set. I. mean, when I Oh, okay. Well, that might.

be okay then. When I moved down here a few years ago, you know, I slept I wasn't pregnant, but I am fat. No, that doesn't count. It's not the same. Uh but I slept on an air mattress for 6. months, and then I just got myself a. $300 mattress. Yeah. And I slept on that. for a couple years, and finally upgraded. last year. It can be done. Don't need to get an. expensive mattress. That's true. Now, they will last longer. was on the cheap end because like when I. was there, they had much more expensive.

mattresses. Yeah. They'll sell you on. anything. Yeah, so I I I thought that. was the cheaper end. Like I I'd never. looked into mattresses before, so I. honestly thought that was the average. And my mom has actually never bought a. mattress, either. She was with me. She's. only ever gotten second-hand mattresses. like the least educated person on it? I didn't know who was educated on it. Hopefully someone that bought a. mattress. You know, ask who has bought a. mattress before. No, I don't know anyone. who's bought a mattress, I don't think. Like my sis my twin sisters, they live.

with their parents. I think they just. recently bought their own mattress, but. that's been after I had mine. My oldest. sister, her and her husband got a. mattress from his mom. So. All right. You're on Amazon. We're. getting natural baby mucus thing, something that was refunded, supplements, Amazon brand mama bear. Diapers. Good. Oh, okay. Newly. 120 piece breast milk storage.

Noa milks me in the post show. Gross. I tell him to stop. It's him, not me. Ballpoint pens, cute first father's day. Oh, there's a little bit of love there. still. Yeah, I try. Detergent. Why a daughter needs a dad. You're. trying to tell him something? Book. It's a cute book. My sister's got me the. Why a Daughter Needs a Mom story for. Mother's Day, and so I was trying to be.

nice, and I got him the opposite one. Duo brush pen art. Spill stopper set. Ah, this feels just like So, what this. starts to feel like to me is that Oh, that's nice for this. That's nice for. this. That's what is nice for this. Let. me buy this. Let me buy this. Let me buy. this. And then all of a sudden we're at. $1,000 of purchases in a month, which is. half of our income. Pen brush jet stream. metal edition pen. Woo, do we really. need that? More pen art. More pen art.

Queen sheets, probably actually need. that. Ballpoint pens, a notebook, three. notebooks, another notebook because Oh, replacement orders. cuz. um they like sent. three packages out, and then like they. said they were delivered, and then they. weren't, and so I got the replacements, and then the replacements like both sets. ended up being delivered like a few days. later. any of these purchases? Yeah. I mean, mostly. Is this very funny? Is this I.

regret. Okay. Okay, this is very funny because. I I'm going to call you out a little. Just a little behind the scenes. information from everyone else. You. literally told us before this that you. did not regret any purchases. I know. And then I asked you and then you're. like, "Yes, I regret that.". Now I feel bad cuz like you showed me. the debt. Okay, well, you know, that's actually. valid. That's actually valid. like you said I'd spend a thousand. dollars in a month before. I didn't. think it was anywhere near that.

That That is That is actually valid. I'm. like I'm not using the brush pens, the. metal pen that I got. I thought it was. going to be so nice because like it's. metal, but then it's like super light. and flimsy. They're different colors. Okay. The black one of them. Rite Aid brush pens. I didn't need those. cuz I already have so many other brush. pens. What? What is this? Right? I like that pen. Isn't that a good pen? It's a decent. pen. Okay. So, you don't get to keep that. is great though. I like I love the the. weight. I just like I have to write with.

it more to figure out like the. the like the the experience. Okay, then return them. I can I can do. that. I can do that. Queen size duvet cover, more brush pens. My What are we doing with all those? Notebooks, notebooks, notebooks, uh baby. walker. He needs to learn to walk in some way, I. guess. More supplements. We're just. chucking those things down. And so many notebooks and stuff. I only brought Let me tell you the. actual amount of notebooks I bought cuz. like the repeats make it hard. So, I.

brought one, two, three, four, five, six, seven cuz there's that. other one. So, yeah, it was just seven that I. bought. Which is not a just, but. What the [ __ ] you Who needs seven. notebooks? What are you talking about? Dude, I have this one notebook. This is. our third This is my third notebook I've. used in the history of this show. I. We've been doing this for over two years. now. were. the deals and so I convinced myself. a thousand dollars in total. In total,

what do you mean you didn't? No, yes you did. What do you mean? You. just admitted you did and then you. regretted purchasing because you spent a. thousand dollars. of a month. So like in that moment I was. like they're on sale and I'll use them. eventually. Which is not like after Stupid. You. can't afford it. You can't pay off your. debt. Interest is accruing. That's dumb. Yeah. Yeah. Next time I will budget it, but. Are you It doesn't help anything now, I.

know. Why don't you get cheap pieces of. printer paper or something? You know, like that you have to like. tear. Like what are you doing? There's. always an alternative. Yes, it does. Your debt sucks. Your marriage sucks. There's things we. deal with first. Fair. Ugh. I can go back to the 45 cent. Show the dude this video and he'll see a. dude yelling at you and maybe that'll. make a man up for the first time. No. Okay. like you. It's not very nice of him. I know. He.

doesn't like that I'm here. I'm sure that's going to be great. Uh. doesn't matter. I mean it matters, but. It's okay. There's a lot of people that. don't like me. We just, you know, this. is that's what happens when you become. popular. But why doesn't he like me? That's. I I don't know. I really don't. It's the face. It's the face. I have a little bit of Should I call. him? He's probably not going to answer. Doesn't answer his wife? Not all the time.

Ring him up. Hey Siri, call future ex. No. We're still We still got to have. optimism. Well, you're the one who said you were. you were done. I'm still optimistic. Like I'm I I still think he can change. I think he can change. As Oh. Hey. why don't you like me? Huh? Why don't you like me?

Who are you? I'm Caleb Hammer. We're using it. I don't care. It's going. in this whole buddy. I saw that, Caleb. I knew he wasn't. going to talk to you.

Wow. Okay. It's interesting. You'll never know. No, it's fine. I. thought it was just fun. I was just. going to growl a little. Uh. I'm some I'm sure some parasocial people. are taking that really weird right now, but like that was just. Oh, I wasn't expecting the hang up, though. Okay, freedom card. Another freedom card. No, there's only. one freedom. That might be another statement cuz I. sent two statements. Then I'll move on from this.

Cuz I have a freedom, the Prime Chase, and then Discover it. Those are my three. credit cards. No, I actually. I have. um. Capital One, but I didn't submit that. cuz I don't have any debt on it. But you. have a Discover card. Yeah. You said this was your OG card? Yes, that's my first one. Okay, we're sitting. at $2,652. and 42 cents. A lot of these are lower now, by the. way, cuz of a debt consolidation loan. Thank you.

Thank you. You didn't purchase on a credit card. I. am. relieved. Well done. Thank you. Well done. I don't physically have that one. So that's why, not because of any. control, not because of any level of maturity or. caring about your future, it's because. you didn't have access to it. I could. have requested a new one though and I. never did. Oh, me. Well, I I take back my thank you. I I didn't request the new one. That.

doesn't matter though. If you had it on. you, you would have spent knowing your. behavior. That's why I didn't request a new one. then. I'll half thank you then. Thanks. Okay. I I'll take that. $76 is. your minimum payment. $55 and 72 cents. of interest is accruing. It's going to. take 10 years to pay off only doing the. minimum, which is all that you're doing. because you are not prioritizing where. your money goes cuz we do $1,000 on. Amazon a month. 25.24% interest rate. Not great. Oh, now we start getting into the.

Medical debt. What is your insurance situation? I. actually have pretty good insurance. Um it's Blue Cross Blue Shield through. my job. But um I'm insuring me, my. daughter, and my husband and they take. out $480 a paycheck. Sure, sure, sure, sure, sure. Yeah. What's your deductible? I don't know. Do you know if you've hit it? No. No? I don't know. Oh, you don't know. Yeah, I don't know. Sorry. Okay.

Well, this was in 2023 anyway. You didn't even like try to find out? The deductible? I mean, I figured my. insurance would cover all of that. Like. if I hit the deductible, then my. insurance. just good to check though cuz insurance. companies, I don't know, really like. them. I don't understand them to be honest. I've just kind of like I got the. insurance through my job. I give them. the insurance card and that's like as. far as I go. I mean, if we're going to like an urgent. care or like a different doctor, then I.

see if we're in the network. Yeah, yeah, we were in the network. You owe $3,658.98. Mhm. And what, if any, negotiations were there in terms of. bills? Just anything at all on behalf of the. insurance, on behalf of yourself, was. there anything any conversations? Some. of it was covered by my insurance. already. They paid the majority. Yeah. 27,537. You owe 3,658. But still, okay. Um.

Okay, well, that's this is past due. Why. haven't you enrolled in a payment plan? Because like it's Because I don't think. I can afford it. Probably not. That's why I was ignoring them. He spent a thousand dollars on Amazon. though. I mean that this would fit in. it. This and. Yeah, no, it was on credit. So, that. makes it okay. No, it's not okay, but. like. if that money left my checking's. account, then I may not have been able. to pay rent. Yeah. Uh that your account is now.

significantly past due. This must be. another one. This one is gaining fees, I think, cuz. you're not paying for it. I think you're. gaining fees because you haven't paid. for it. I didn't know that. I think. Okay. Okay. I'm trying to look cuz I. think you owed Oh, well, but. man, credit's balanced. Oh, well, maybe. not. So, for this one is this all birth. related? Um all of the Texas health is either. birth, NICU.

Yeah, it's going to be either childbirth. or NICU. Okay. Or the visits from when I was pregnant. So, all like related to that. Okay. Yeah, that one's $884 owed. Man, another. Texas health. Okay, I see. And they could probably put you on like. a. low payment plan, too. And there's also some. Like there are some that went to. collections and when I went to like the. website and I like tried to look at. possible payment plans, it started at. like 200 and I was like I can't do that. How's the kid today?

She's good. Good. She's nice and. healthy. Good. 1,213 from that one. Okay. Woo. Yeah, cuz it's chances are that was. 40,000 bucks, but you owe 1,000 from. that 45. So, insurance is good for something. Sometimes. Okay, what's Miramed? That's a. collections agency from uh medical bills. that have already gone to collections. That was actually the one that I looked. at and like tried to get see what I.

could do on a payment plan and that. that's the one that started at like 200. Through the collections? Not through the. hospital? the collections. Well, I think through the hospital they. can be they're they're usually a little. more generous with that. But they. already sold it. No, I know, but but that all of a sudden. discount like that doesn't. mean you shouldn't talk to the hospital. about the hospital bills that currently. exist. Okay. Because the Yeah, I mean the collection. room I mean they're just trying to just. get all the money cuz they bought their. money. Okay. Yeah, you owe 3,452 on that one.

Same collections though. Okay, United Revenue. I'm assuming this. is also collections. Yes, that is. I. can't figure out I have to call them. Well, is this also medical? It's got to be. Well, is there I don't know I I don't. know the specific. maybe not being able to afford minimum. payments, but it looks like you haven't. like tried to pay anything. So, like. what's been going on with that? Cuz I. mean it looks like you haven't even. attempted, which makes it a little. harder for me to have sympathy about it. completely. Ostrich head in sand. Um it.

was just like really stressful. I am. terrible at handling my stress and. up on your credit report? No, I don't think so. Yeah, there's been. also rules changed about that. It was. like I think the rule was like if it's. five if it's less than 500, then it. can't be on your credit, but most of. mine are more than that. you have one of 3,515. It's way over that. I'm going to take a quick moment to. thank today's video sponsor Morgan &. Morgan. Ever been in one of those. situations where you find yourself in.

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better. Yeah, I mean, you're just making. it worse. You're kicking the can down. the road, and then you're going to have. to pay more. So, it's dumb. And it's. just I I get it. I get it. I can kind of. shut down sometimes in an overly. stressful situation, but. you just you just can't. You're You're. making that when you put when you. finally lift your head from the sand, you're just making it the world around. you so much worse. Yeah, and then I bury. my head again because I realize how bad. it is, and I am legitimately trying to. stop that because I know that it has. made the situation a lot worse than it.

needed to be. And I There was a time when I was doing. decent with. budgeting. Um and like things like started to. spiral, and then it was like that. I. just kind of shut my eyes because I. didn't I couldn't handle the stress, which at that time it was a lot less. stressful, so I could have like actually. like forced myself to just deal with it, but I I of covered my eyes and just. said, "La la la la la everything is. going to be okay and then everything was. not okay.

Yeah, I was going to say how's. everything? Yeah, it just Okay. So, they also give a year grace period. the three credit bureaus they give a. year grace period. Okay. before things uh show up on the. credit report and negatively impact your. credit report medical collections under. 500 are not included in credit reports. After the one-year grace period anything. above $500 will start damaging your. credit. Hasn't been a full year though, but it's actually really close. Oh. That. That makes sense. She's 8 months, so.

yeah, that makes sense. Sadly. But and this this these are the changes. that I've been following because this. month and we we reported this in our. Your Weekly in Money Show because uh the. CFPB. proposed a rule to remove medical bills. from credit reports entirely, but it was. a proposal, so. Okay. Yeah, so I just wanted to make. sure. you are as informed on that as possible. and anyone watching and myself. Uh okay,

medical collections number three cuz. there's two from that company. Uh. yeah, this is Credit Systems. $208 $216. Oh my No. No. No. You have three from. this company at least. I thought there was two. Well, we know you don't like to. look and figure it out, so I have a. sheet of paper with it written cuz like. I said I told you I did go through them. eventually.

Oh the Sally May this is insane. That. Sally. So, what did you study? Biochemistry. That makes sense. Cuz that's what you're working in. Okay, and you went to you went to a private. school though. Yeah, because I thought I. had most of my tuition covered with a. scholarship and I thought I would be. commuting from my mom's house and so my. payment would have been a lot lower. you weren't commuting from your mom's.

house? the first two semesters and. uh. Oh, then you wanted to party and rage? Absolutely not. I was not that person. Um. mental health stuff from being in the. house uh. and my mom. a single person. There is not a single. person, I swear. That I mean just like I. feel like I just everything is just. Okay, I don't want to discount what you. say, but it really I Okay. How do I say this without getting in. trouble? It's kind of like the thing.

where. uh people. There's fatigues out there. There's. fatigues because people use words for. everything these days. They overuse. certain powerful words to describe. certain people who do certain things. even though it under-credits the actual. versions of those things. And every. single person, I swear, I talk to in. life, not just this show, every single. person mental health once in a while. mental health. And mental health is so. important. You already see therapist, so. I'm sure there is actually things there, but I'm just like oh immediately you you. start getting fatigue cuz it's like.

well, okay, I guess everyone has an. issue, so it it it almost becomes like. I don't know. It's really difficult. It's difficult for me to deal with. So, what were you dealing with at home? Uh my mom was struggling a lot with her. mental health and seeing that had quite. an impact on me. it? Uh. she. just had a mental. breakdown. Um she was pretty paranoid.

So, like manic? I guess you could say. that. Um. but me and her ended up moving in with. my sister. and she moved back in with her husband. I did not move back with her. Okay. So, you moved out? Yeah, and so I was. living with my sister. and I was in Garland and they didn't. really have So, you didn't have any. mental health issues, but it was. hard to be around her. with mental health issues? Yes. I mean.

yeah. started getting negatively affected, but. were you diagnosed with anything. medically? Uh Cuz that's where I also start to have. problems when people throw around things. without getting medically diagnosed. At the time, no, but like um. the semester at Okay, so I moved in with. my sister that summer. and then there was the fall semester and. then that spring semester I started. seeing a psychiatrist and so I did I was. diagnosed with um depression and anxiety. then. Okay. Well, there you go.

Okay. And my sister um they just don't. have a great bus route in Garland, so I. wouldn't have been able to catch the bus. and then the train and then another. train and then the other bus to get to. Fort Worth. Cuz that's what I was doing. my first two semesters. It was like a 2-hour ride. Did he go to. college? Yeah, we went to the same. college. graduate? Yes, he did. We have the same degree. He. graduated [ __ ] laude. Okay, then he can get a job. Yeah, he is.

He's a genius. He's very smart. But lazy. Lazy. I'd give him a certification for the. course quiz, but I don't even want to. waste it on someone like him who can't. even. do anything. Get off the couch. Okay. So, the Sallie Mae the low rate is. sitting at 9.875%. The high rate sitting at basically 12%. Mhm. Hey, by the way, did you know. you're late? Oh.

Okay, I did know that. So, my sister. Yes, my sister called for forbearance. and they. On your behalf? Yeah, she's a co-signer. Your sister co-signed your Sallie Mae's? Yes. Oh, [ __ ] me, okay? Um, so she they. were supposed to forbear it and then. they said that she was supposed to call. back when she paid one month for me, but. she didn't. I called her, she said they. did not. Why was she going to pay a month for. you? To be nice. To be nice?

Yes. Okay. To help out. Sure. Um, so she said that they did not tell. her that she had to call back and pay, but I talked to an agent and they said. they could get me on a plan and this was. after I paid like 4 450 or 480, one of. those. This was after um, I paid that. They said they could get me on a plan. for 6 months to only pay interest. They. went through the whole like disclosure. statement that I had to agree to. We. went through the whole thing. They said. they were going to take like 260. something out of my bank account and.

then it was going to start and it never. did. And have you called them back? I'm. planning on it. Why would you not call them back. immediately? This is hundreds of. dollars. This is it's so much money. It is. to just be like I'll call them. Yeah, uh. Are you a little lazy as well? Has it. rubbed? It's during my work hours. I don't have a good reason. I'm not. going to lie. I don't. Okay, this is. literally your future. This is your.

child's future. It is. So I think my logic. since it's their mistake, then that. means that whenever I call they'll have. to fix it, so that's why I haven't. really been rushing. What's the SoFi. loan for? Is this a consolidation? Yes. For what? What did you consolidate? Credit card. When was that? You didn't tell me that. I did. I thought I did. you said you paid off the credit cards. and you built them back up. By paying. off did you mean you consolidated them? No. So the payoff was years ago. I built.

them up, then I paid them down. So it. did happen. So you built them up three. times. You said no, too. So it was three. times. I guess it was. Buddy, you're the one with the bachelor. degree. I don't even have that. Come on. I'm sorry. Loan balance $8,000 at a 13% interest. rate. Listen, It's better than the. credit cards. That's why I did it. It It. is. It is. And you can save money that. way. I'm not against the product of. consolidation as a whole because yes, you go down from like 30 to 12. And of.

course, I like them for high-yield. savings accounts. That's what I use. It's great. But But the thing is for. people that have not changed their. behavior, consolidation helps nothing. cuz then you just build the credit cards. all the way back up and we already know. you did cuz you're almost at the. credit limits for those credit cards and. you're continuing to spend on them. So, this is not a beneficial product to you. I would have only recommended doing this. after you've proven multiple months in a. row that you have the behavior change, the budgeting discipline to not build up. the credit cards all the way to the top.

again. I thought I did. Like it. you mean you thought you did? What do. you mean? It was clearly my intention. Like I I got into that loan and I was. like, "Okay, this is the end. I am going. to pay off these credit cards.". you didn't But you didn't prove it. before you took out the product. It's so. I didn't prove it. See, there it is. You're not going to. just change it in the moment. I keep thinking I can. And then why. can't you? I have no idea. I think.

I have a. Okay, this is dumb. But I was going to. say I think like there's something wrong. with my brain. I feel like other people. can just. say they're going to do something and do. it and I feel like I struggle a lot with. that and um. We're all It's a human condition. I. We're all a little bit um let's throw. her under the bus, okay? Uh we're all right We're all taking the. ride in different ways. That's fine. That kind of feels like an excuse though. to just say there's something wrong. Yeah. And then we just continue doing it.

because there's something wrong and. that's okay. No, I do try to overcome it. um and I know that that's not a. proactive way to think. And also you have a therapist that you. can talk to this about. Yes. And also if you know that's an. issue, figure out coping mechanisms to deal. with it because if you're able to. diagnose it, do something. Like if it was unknown and. you didn't know that that was a thing, then okay, sure. Let's figure that out. But you you know it. So it just sounds like an excuse to me.

Not saying there's nothing going on. Trust me, don't get me wrong. You also haven't done anything to solve. it. I go to therapy. Yeah, are you putting in the work that. comes with it cuz just showing up isn't. the [ __ ] name of the game. She hasn't really given me any new tools. recently. I mean I don't know what happens in. there so I can't say that for sure but. maybe. to be honest, if you go through my. statements, I have. multiple charges of 105 from missed.

therapy appointments. If I go, they're. free, but if I miss them, then they're. 105. Why? Why are you missing them? Um mostly oversleeping, although last. weekend it was because I unexpectedly. I can choose the time so I was trying. fly there in the day. Yeah, I started to. Um they were at 9:00 a.m. and I I kept. telling myself like if it's at 9:00 a.m. then I'll force myself to wake up. And I didn't.

And then last weekend it was at 3:00, but then we unexpectedly went to a. family function and I was telling myself. I'm going to like just call in and like. just go and step out in the corner, but. I didn't have an alarm set. You're all over the place. There's like. no responsibility. It's crazy. Okay. That's wild. $8,000. interest is 12.49%. $268 minimum monthly payment. That's due soon. Yeah, it is. The balance on this balance.

gone down at all? You have not had to. make a payment? No. And that's just starting now? So, when. did you consolidate? May, I think. Oh, this just happened. And you built the. credit card. from May? You've built it up since May? Do the. statements have when I paid them off cuz. the balances are lower now. than like the 2,000. I'm going to pull. it up. I'm going to pull it up. What's. that? That doesn't make sense. We. request your most recent statement. We.

only have what you have. And we. specifically say and indicate multiple. times tell us if anything has changed. We were not told anything. It looks like you don't know how to. follow instructions. I thought I I sent. the most recent statements. And that's. what we just went through. What is happening here? Cuz the statements, uh, they don't reset until the end of. June. And they did ask about the finance. the significant financial changes. And. for some reason I just thought that.

they were on there. We ask if anything has It's okay. I'm. I'm glad that the that something might. be smaller but that's not my. I'm just going to give you the new. balances cuz that that's completely my. fault. So, Discover. is 442.10. What? 4 4 4 442? 442. and 10 cents. down from 2,000. And. I'm going to look at the other two. cards. I mean, they're still bad. Um, Prime is 1712.5.

That one went up. It did? Oh. Yeah. So, that one went up. 172.5? What was it? 1712.5. one went up So, you completely offset. it. Actu- With the money that went down. in the. Okay. The Freedom is 234 cents. Okay. Well, that's not. $234.31. Okay. so that one went down. But one went up. So this is like.

okay. Nelnet. Federal student loans Yes, they those. are on I'm not paying those right now. I. don't have to until I think like March. of. Not March. Maybe it's March. Sometime in 2025 next. year, yeah. March 2025, the 14th. Uh they're all at like 4 and 1/2% one's. at 3 and. uh 7. So I would make a monthly payment till. those are all paid off.

K. I think. Is that it? Is that what you do? not updated, the Rocket Money you're. looking at. Well then I'm not going to. look at it. Yeah, I mean the savings are. Everything. we put together. Yeah, the savings amount. And then I also have virtually here a. firm. Yes, that is new. That's brand new. I won a photo shoot a while ago on. Facebook. shoot? Yeah, on Facebook. Like I signed. up for it and then they gave me like a.

$700 discount. And so. 700 discount and then you had to pay how. much? It was. I'm sure it was a real discount. So it was like I think. 2400. and then. Listen, listen. Okay, so we got an album. me and two of my sisters, we got we got. on payment plans for it and they split. it three ways.

This. discount discount discount to get you to. spend money and you put it on a payment. plan. Photo shoot, what are you talking. about? portrait. We don't have any of those. Does that normally cost. $2500? idea. And you so you just paid it. without doing a Google search? No, we. got portrait. like an album of photos. Yeah, how many pictures? 19. What? I had my.

photographer take it for you. Oh. It's at 25.27% interest rate by the way. by the way. Great. Well, you didn't. realize if it was a deal or not either, so and I I I don't know either. I don't know either. I mean let's find. out. Average. cost. of a family. photo shoot. 400 to 1,000 bucks. 100 to $400 an hour. How many hours did.

it take? Like one. Yeah, you really got a discount. You have to get the price of the the. photos because they said that the photo. shoot would have cost $300 and then it's. just like actually getting the photos. that cost the money. That can't be true. That's what they said. Hey, can you call. on our photographer? I wanted us to have. nice family memories. would like that too. That's not what I'm. against. Does it sound like that's what. I'm against? I don't. doesn't. I'm just giving you my. reasoning like. Oh, yeah. Me and my sisters and my.

cousin as well, we have these photos of. when we were kids and we all took photos. together. Yeah, yeah, yeah. And I just I. wanted to have that for my daughter. Let. me see one of these expensive photos. Oh, they actually they did send me an. email with the photos. Brandon, we need. your expert. tise. He like legitimately is paid. constantly like this isn't someone who. just likes to take. pictures. He does this professionally. He does lots of shoots. Uh. Uh there's.

Brandon, why don't you wave real quick. into the cameras? Just Which ones? You just You just say. You know Brandon if you've been around. here for a while. It's Brandon. Can I see that the. Uh yeah. That's the low quality version that they. sent out though. True. What are we. looking at here? All right, do you do photography? No. Okay. I paid for like an album of photos for. um from a photography center. Oh, you. were smiling.

Yeah, yeah. Oh, okay. So, you're allowed. to do that? I mean, my mom really wanted it, so. Are you not allowed to smile? No, like I. took off my veil. This is very interesting. Because again, I'm very ignorant about. that, but you know, I'm also just very. interested in general. Okay, so why. don't you explain to Brandon this. product that you purchased exactly what. you got for it, how much it was, and. what you got off that in this thing on. Facebook that you won. Um so, I won a photo shoot from um from.

a portrait business. And they uh. they paid off the photo shoot, so that. was 300, and then there were 400 extra. dollars put toward um like whatever. photos we wanted to get. And so, we. chose an album, and the album was 19. photos. And then me and my three. sisters, we split the price. Yeah, just tell us the price. I don't even remember the total price.

Like each of us is on like a 900. something dollar payment plan. How long. was the photo shoot? Like an hour. It was an hour and she got how many. photos? N-. In total, there were 30 photos, 30. something. We chose 19 to put in the. album. Well, how many did you let you. choose between? Could you have done all. 30? Yeah, that would have been a lot. more money. over the course of an hour, he did. editing and he put together this album. for it. They haven't done the editing yet. They'll edit it and then send it out. Okay, they will do the editing included.

in that for $2,500. How does that sound? Could I could I see the quality of the. the stuff? They don't They only have the unedited. photos and the ones that they sent me. are also like what a photo looks like. unedited. They only like these are the low quality. versions because these are like the free. ones that they sent. He knows. I can see through this, which. is good. Oh, that's interesting. I mean, from what I could see, it looked. nice. Yeah. But this is this is a discounted.

You said 900 each? What is that? Thing is like Thing is with the payment. plan is 980. And that was you shot for an hour? About, I believe. $2,940 after a. discount. What's Can you show me his. other finished work? And the reason I say that is because if. he's spending hours and hours and hours. making all your skin perfect, that's. going to be tedious and that would make. a lot of sense. But if he's just kind of like. cookie-cutter like packaging your stuff.

and batch editing with like a batch. edited grade, Yeah. you know, that's like a. $1,200 shoot. They have photos on their Instagram. Um here. And Oh, okay. That's cool. We need to capture all this information. afterwards so we can pull this up. Oh, wow. Yeah, I know. This is. This is cookie-cutter. Doesn't uh change. the backdrop. This is really. interesting, actually. Did she get scammed? Cuz remember, this was a thing she won.

on Facebook. Uh yeah, you kind of did. Um there's a lot of photog- Is this in. Austin? Are you Austin Dallas? in Dallas. Oh, wow. Oh, no. They were. We're in Dallas. That was in Frisco, but. still, you know, DFW. The DFW area? Yeah. There's a lot of photographers in DFW. that could reach this quality in their. sleep and charge you half the price. Okay, so you got scammed. Thank you, Brandon. Yep. Sorry. I mean, I'm so glad you got the. experience, but I mean,

immediately when I heard you won a. discount on Facebook, I was like, "You. didn't win a discount. This guy made you. think you saved some money so that you. could come in. and give him a lot of money. And then. you financed it at 25%. I didn't really know how a firm worked. That was my first firm. loan. So you. So I didn't even know like the. the APR until. like days after. Remaining balance $400. or $944.

91 cents. Please make that your last. Affirm, last debt at this point except. for a mortgage. Yes. Maybe a car loan at some point. But careful with that. 25.27%. I'm trying to look at your. monthly payment. What's the term? I think it's 36 months. Oh my gosh. Okay, $64. Killing me. Killing me. Killing me. Uh your student loans will probably be. 250 bucks when those kick in a month.

So yes, no. You're right. The medical. debt is harder to pay and get on a. payment plan because you've minimum due. payments yourself up to the your neck. So Drowning. Great. You just have to you have you. have to be done getting in debt at this. point because that's just all you're. doing and that's all you know how to do. and with your purchases, you're just. getting in debt, getting in debt, getting in debt and. that's just your life and at some point. it's going to end in a bankruptcy. It's. going to end in. beyond stressful situations, not being. able to pay for bills, not being able to.

pay for school supplies. And I don't want that. bad. You don't want that, but yet your. actions right now are literally. literally. doing that. I feel like I'm just going for instant. gratification and I know that's really. bad. Spent a thousand dollars on Amazon. and things you're just swiping that made. sense on all those books. You put that a. thousand dollars you. If you buy the S&P 500, just is SPY. Not. investment advice, but if you if you. were to have bought SPY.

in Moomoo, $1,000 you let that grow at. 8%, probably closer to 10, but 8%, no. additions over the next. I thought SPY was like 5%, like the. average. No, it's 10. Oh. Uh. I think it's closer to 11 right now. Either way, over the next 37 years, that. $1,000 would have turned into $20,000. It's just an example. Just an example. Yeah. Checking account, $923 in there. Oh,

here we go. Zelling out money. Going inside, getting some bull. Fabulous app, Paris. $1? Yes. Oh, yeah. It's a mental health app, but I I. canceled it. I canceled it. What? It is. It's a It's like a. It's like productivity {slash} mental. health. It has like meditation, and also like tasks for you to do for. your mental health, but it wasn't. helping me, so I I canceled it.

Okay. Cuz $1 wasn't the real price. That. was a trial price. It's $40. Uber? Dave? I did. Only once. Oh, don't. Oh, everyone. starts with one. You did not. Oh, this has gotten so much worse in the. last inning. Oh my gosh, what are you? I don't know. if you guys knew this about me or not, but. I love buying real estate. It's a great. investment, and there is something about.

it that I just can't seem to get enough. of. Now, I know buying real estate may. sound like a complicated process, but. I'm here to tell you it doesn't actually. need to be. Today's sponsor, Equity. Multiple, is here to make investing in. real estate simple. Equity Multiple. makes commercial real estate investing. easy and transparent. They offer real. estate investments that don't rely on. the stock market, aiming for strong. returns with less risk. They even have. an experienced team that manage the. deals for you protecting your investment. and maximizing returns. With over 48,000.

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nitty-gritty details. If you're ready to. start investing with Equity Multiple, go. to equitymultiple.com/caleb-hammer. or click the link in the description. below to earn a 1% return boost on your. first investment. Now let's get back to. the show. Once. Those are basically micro payday loans. they're paid off and the apps are. deleted. You can never never never never never. never do that again. Why did you do that. in the first place? rent. You know why you're short for rent? Cuz.

you spent a thousand dollars at Amazon. Dave. Monopoly Go, not again. Oh, it's been months. Okay, so I was um I downloaded one of. those play games and win money apps. Not win money, but like you know you get. so far in the game and you earn money. I. realized it was dumb afterwards after a. while playing because the goals they. wanted you to hit were very unrealistic, but at the time they said they were.

going to like there was a prize like. spend $3 in the app get $3. And so. that's why I did it cuz I don't like the. game. I don't even like the game. Come on. I was duped. Instacash repayment, Dave. Inc. You go and sign in and get some You go. and sign in and get some You just stop. for drinks and snacks. What are you. doing? Um is it RaceTrac? There was that, but then there was more. on that other card we looked at as well. You were like you went in Amazon and got. something for like $2.50. Amazon? No,

no, no. Walmart, sorry. You're just. stopping in and you're just swiping your. Oh, that was probably I might have been. picking up a prescription and then like. got a drink. That's probably it. Come on, dude. Uber You have a kid. Yeah. That's very important. Paying for, paying for, paying for, paying for. Oh, I I have done that a. lot, too. Uber Uber. The paying for. Stop. You're just making. it harder for yourself cuz you're just. making those minimum payments just. stack. Chocolate Secrets. Oh, I was.

I was stressed out. It's a chocolate. dessert place. Great. I'd be stressed out if I had no money, too. Probably can't get. sweet treats when we don't have money. $205 in this. Uh. nothing really happened. Yeah. Robinhood. Our chance of the future. $47. That's our retirement? That was Is that our retirement?

No. Um I. I There's one at my job. I have recently. talked to HR about it because I'm. confused about how to do it. They do it through Fidelity. Okay. Cool. That's actually perfect with Fidelity, actually, because literally, because. again, just like you're on here, take the investing class, go through it. We literally actually tell you how to. set up accounts and how to actually. manage that like we teach you everything. about that. So, go through both classes, plus you get a free $100 in cash rewards.

from Moomoo, as well. So, there's. Yeah, go through that, please, cuz. that I don't think that's what we're. going to talk about right now. That. isn't I mean, I don't Long way to go. budget. I want to see if you have room here. I'm. a little nervous. The dude, I think the. dude might need to. uh. step up. I mean, I'm already planning on. finding a weekend. he should have been here. I think he's. kind of a. He didn't want to be on camera. I know. I think he's kind of a. Cuz this is like the chance that I think.

you guys have to actually make your. family. financially secure. And I get not being. on camera, that's fine. He could have. been off camera. We could have talked to. him. him he didn't want to be here. No, there. it is. I don't think the dude's willing. to step up and take responsibility in. anything. I really don't. Now, I don't. really know him. I can't fully judge. him, but just from everything so far, and I mean, dude couldn't even last 30. seconds on a phone call. It's like. I think he needs to man up. and actually contribute to the. household.

2,500 comes in. Debt minimum monthly. payment. $1 million. Close. 1,000. $91.45. That's without any of the other. minimum monthly payments that could be. negotiated for medical. What's your. rent? 1020, and then utilities usually take it to. like 1250. Oh, take the total the total. to you? Yeah, yeah, the total. Is that including internet? No, internet's 50 bucks. 55.

So, the loser can sit at home and play. on his video games all day. Yeah, actually, yeah. League of Legends. I'm. I've I've met people like that. What's. your phone bill? $191. Why? Because we're paying off the. phones. Okay, when you're done with. that, switch to Helium. I tell it to. everyone. You probably already know. that. 20 bucks. But I can't I can't do that. yet cuz you got to pay off your phone. Yep. Okay. Vroom vroom gas. Uh I sometimes pay people for gas um.

that drive me or. Oh, that's right. Okay, how much do you. spend on average for like transportation. with Dart and Uber? Dart is just $100 a month for me, maybe. like. 20 to $30 for my husband. um if he has to do something like go to. a doctor's appointment with my daughter. or. how to get him outside? Yeah. Uh and Uber can be like $100.

as well. Honestly though, um. I can cut back on Uber and ride the bus. more. That's definitely something I. should be doing. Sure. 100. 30 bucks. Okay. TP fund, anything else to survive. for you and your kid and dude, 150. Um. 200 cuz I know the newborn's it's. expensive. Okay. still needs diapers and all that. Groceries. Groceries are.

I think you could do seven. Seven? 100. Yeah. I think you could actually be better, but. we're going to put that there. Cut it. back as much as you can. Yeah, we'll. keep it blank. No subscriptions. Medical co-pays. Um there's. $40 for my doctor my daughter's doctor's. appointments. And she has to go how often? Um right. now it's every 3 months. So, she has one. coming up next month. Then we're not. going to put that in the monthly.

Okay. Okay. Um. then no monthly co-pays. It's just if I. miss therapy, then there's that big. fine. So, I got. Yeah. an adult. Anything else I need to put in. your budget. that I have not put it in? And your debt minimum payments and your. rent almost maxes out. Your. Giving gas for Oh, how much? Probably just 50. for you. Catching a ride. I mean, I can already tell we're. under. Yeah.

That's why I've been scared. Yeah, but that just sends, you know, a. worse situation. So, now is the time to confront. And. That feels a bit high, but maybe I'm. just sticker shocked. No, actually that. was right, but I just lost the number. Answer me this truthfully. Outside of the lack of, you know, I'm sure there's like a lack of. intimacy. I'm sure there's a lack of.

just just everything in the marriage. Lack of him respecting and communication. all this stuff. Lack of all that. How is he as a father? Besides not. contributing to the house, but as like. just the actual relationship, how is he. as a father? Um he loves his daughter. He takes um good care of her. He does. scare me sometimes though. Huh? Like he can be a little reckless. Like. He likes playing with her like. Oh, okay. Yeah, and so I get nervous cuz.

he'll like. You know, like throw her, not like high, but you know, like put her in the air. and stuff and I'm like. good father? Or is he bad or neutral? He's good. Well, you're underwater on a. monthly basis by 100. bucks. That's not as bad as I thought it was. going to be. Oh, that's cuz I lied. 1,100 bucks. Oh, that makes more sense. Oh. Oh. Oh. Oh. Oh. Oh. Oh. Oh. Oh. Oh. Oh. That's terrible. Yes. Um that's cuz I. just immediately started thinking of.

solutions. It's. He gets a If he's not willing to work. and he's just going to be a little nerd. sitting at home jerking off all day, professional gooner, then I need. you to get a better job or work more. hours, which really sucks. Or. Do your parents work full-time? Um yeah. Well, my mom doesn't, but Is. she going to be your babysitter? Her. house is not good for babies. Why? It has stuff everywhere. Like it's.

filled to the brim. Is she going to do something that's not. hoarding? Okay. No. Oh, yeah. It's an actual thing. Yeah. I could ask. her if she could babysit at my sister's. house because she's done that before. Mhm. Um so I will ask about that. Yeah, ask about that cuz if you can figure out. the child care situation, cuz yes, that's expensive. But if he also goes. and works his butt off, I think that. you'll still come out positive. But either way, he needs to work or. communicate and actually contribute and.

try to. build something. You need to talk to. actual family cuz I'm not going to say. go get divorced cuz I don't know. It's. just like I mean, you guys do your. thing, but also talk to like a marriage. therapist. If they say get divorced, maybe get divorced. I don't know. I don't know. I don't know. Cuz you might have to live somewhere. cheaper, but I It's The finances it gets. even harder as a single mom. But you're. basically a single mom right now if. we're being honest. May not monetarily, but the check cuz. he's taking care of child care. Yes, that that's it, but Um there's also tax.

credits. And daycares can be like $300 a. week, man. I know, I know, I know, but he should He. could still Again, if it's $300 a week. and he goes and makes 2,500 bucks a. month, it's like you guys actually. closed the gap and you can at least make. slow progress on your debts. Right now. it's an income situation. So he actually. needs to man up or something major needs. to happen. Or unfortunately, and it. sucks that it falls on your plate, but. you might have to work just a million, billion, quadrillion hours, which I. hate. And I That's not That's not the. route that I think we should go. I think.

he should actually contribute to the. household. Now, don't get me wrong. You. need to stop spending. You need to be fiscally responsible and. budget. So, this isn't an all him. situation. It's you as well with the. spending and the budget and the. recklessness and building up debts and. consolidating and then building them up. That stop, okay? It's not an option. anymore. We're not just buying 50,000. notebooks on Amazon. We're not doing. overly priced photo shoots because you. got a deal that you won, a discount.

We're not doing that stuff. We're not. spending this kind of money anymore. We're having free fun the most we can. And then yes, he needs to step up or we. need to just find a way to bring in more. money. Income solution isn't always the. solution that's coming into these. issues, but for you, it's going to be a. minimum requirement because we haven't. even touched the medical bills. We. haven't done anything. And some of those. are going to start negatively affecting. your credit. So, unfortunately, right now, it relies. a lot on the conversations you're going. to have. Okay. Behavior, yes, on your. end, but for the income thing,

there's some tough conversations to. have. Tell me what you think about that and. how that's going to go though because. I have no faith in him from everything. you've said. So, what are we doing from. your perspective cuz I feel like I've. almost just put you in an impossible. situation. Uh I'm definitely going to. look for like weekend jobs. Um most jobs they. So, you're going to work more. So, I'm. planning on finding a weekend job. Um. hopefully something that has like longer.

shifts, at least like, you know, 8 hours. just on uh you know, Saturday and. Sunday. Um. that's really I can I have looked at. jobs in the area in my field mo- I'm. actually making like on the higher end. in Dallas just for having a bachelor's. degree in biochemistry. If you go out. out to like Coppell and stuff, then. there's higher pay, but that's very far.

Like especially cuz I don't have a car. Like I can't drive out. Maybe just take. a driver's class though. Driving's. really not. cost money. It does, but again, if you're going to. be making tens of thousands more? Thousands more? I mean. Thousands more, yeah. Okay, thousands more, I think 500 bucks. or something could be worth it. Okay. It's an investment. So I'd have to like budget that out. an investment, right? So. Yeah, I mean I have 300 saved now, the. 200 in EECU and then the 100 in Rocket. Money. Sorry I have to do this all on. your own. Sounds like.

Thank you. That sucks. I hope you make the right decisions for. you and your future. Keep us updated and. if there's any resources we can connect. you to, let us know. Mhm. Get some of the behavior under control. as well just on your end and try to have. some tough conversations. a codependent relationship. I mean I know you guys are relatively. close as a family cuz um. we're having an entire family reunion. out there. So like let's I think they. can watch the kids sometimes, you know? Cuz I just sometimes.

Which which could help. So. And my husband doesn't like when. they watch her. I don't I really don't. give a [ __ ] he likes. And that's that. Cuz I don't like him. So spending a budget, oh, let's see. Make sure to stick around for the post. show. I'm sure there's some kind of bit, but um. I'm sure I'll. emotionally abuse Noah in some way as. usual and then he'll physically abuse me. in some way as usual.

Yes. Okay, so total income five uh 2,556. Oh my gosh. Yeah, but there's an ATM. cash deposit of 440. Where'd that come. from? Oh, I occasionally get bonuses, but. they're unpredictable. Okay, so fine. 3,000 this last month. How much do you. think was spent? Out. Total. This last month, uh. Yep. Most recent statements. 2,050. 4,016.

Really? You thought it was less? No, absolutely not. So, zero out of 10. spending and a budget, you overspent by. minimum 1,000. Debt, we have collections, zero out of 10. Emergency fund, you've saved up now a. second, so. one out of 10. Retirement, zero. You. haven't started, so zero out of 10 cuz. you're confused, which is fine, but real. estate, zero. That's going to be a. Hammer Financial score. .5. out of 10. Make sure to check out all. the resources linked in the description. below as they are what I use or would.

use in specific situations, including. the best budgeting program in the. history of the internet and the best. investing program in the history of the. internet where you get $100 in cash. gifted thanks to Mooboo. Now, check out. the link below and. watch the post show. Today on the. Financial Audit Post Show, I just. started moving you up right here. That. would be an entertaining post show. Would you fight me if we like boxed? I. need a month to not get winded. like walking across the room. Or we're. going to do a hell fight it where you. beat where we beat the [ __ ] out of each.

other. That's a hell fight it. Actually. very funny, except not boxing. It'd be. like going to the gym. Are you going to fight, too? No. All. that talk? Uh-huh. I'm a lady. To watch the Financial Audit. Post Show, click the join button below.